Terms and Conditions

Understand the importance of our terms and conditions for using our website.

Contents

Terms and Conditions

Welcome to the website of EZPAYINSURANCE, LLC DBA Envela Insurance (“Envela Insurance”, “we”, “us”, or “our”), an insurance agency licensed in the State of Tennessee. You agree to be bound by these Terms and Conditions by accessing or using our website. If you disagree with these terms, please do not use our website.

Use of Website

You may use our website for lawful purposes only and by these Terms and Conditions. You agree not to use our website:

  • In any way that violates any applicable federal, state, local, or international law or regulation.
  • To transmit or procure the sending of any advertising or promotional material, including “junk mail,” “chain letter,” “spam,” or any other similar solicitation.
  • To impersonate or attempt to impersonate Envela Insurance, an Envela Insurance employee, another user, or any other person or entity.
  • Engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the website or may harm Envela Insurance or users of the website.

Insurance Information

The information provided on this website is for general informational purposes only and should not be considered professional insurance advice. For specific insurance advice, please contact our licensed insurance agents directly.

No Insurance Coverage Binding

No insurance coverage can be bound or amended via this website. All coverages are subject to the insurance policy’s terms, conditions, and exclusions. Please contact our agency directly to discuss your specific insurance needs.

Licensing Information

Envela Insurance is a licensed insurance agency in the State of Tennessee. Our license information is available upon request.

User Accounts

If you create an account on our website, you are responsible for maintaining the confidentiality of your account and password and restricting access to your computer. You agree to accept responsibility for all activities under your account or password. We reserve the right to refuse service, terminate accounts, remove or edit content, or cancel orders in our sole discretion.

Intellectual Property Rights

The website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio) are owned by Envela Insurance, its licensors, or other providers of such material. United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws protect them. 

Third-Party Links

Our website may contain links to third-party websites or services not owned or controlled by Envela Insurance. We have no control over and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that Envela Insurance shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

Disclaimer of Warranties

Your use of our website is at your own risk. The website and its content are provided on an “as is” and “as available” basis without any warranties, express or implied. Envela Insurance disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability

To the fullest extent permitted by applicable law, in no event will Envela Insurance, its affiliates, or their licensors, service providers, employees, agents, officers, or directors be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use, the website, any websites linked to it, any content on the website or such other websites.

Indemnification

You agree to defend, indemnify, and hold harmless Envela Insurance, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms and Conditions or your use of the website.

Privacy

Our Privacy Policy governs your website use and informs users of our data collection practices. Please review our Privacy Policy.

Electronic Communications

When you use our website or email us, you communicate electronically. You consent to receive communications from us electronically. We will communicate with you by email or by posting notices on the website. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. 

Termination

We may terminate or suspend access to our website immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms and Conditions. All provisions of the Terms and Conditions which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Changes to Terms and Conditions

We may revise and update these Terms and Conditions from time to time at our sole discretion. All changes will be effective immediately after we post them. Your continued website use after we post the revised Terms and Conditions means you accept and agree to the changes.

Governing Law and Jurisdiction

These Terms and Conditions and your use of the website shall be governed by and construed according to the laws of the State of Tennessee, without regard to its conflict of law provisions. Any legal suit, action, or proceeding arising out of or related to these Terms and Conditions or the Website shall be instituted exclusively in the federal courts of the United States or the courts of the State of Tennessee. 

Entire Agreement

These Terms and Conditions constitute the entire agreement between you and Envela Insurance regarding your website use and supersede all prior and contemporaneous written or oral agreements. 

Severability

Suppose any provision of these Terms and Conditions is held to be unenforceable or invalid. In that case, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect. 

Waiver

Our failure to enforce any right or provision of these Terms and Conditions will not be considered a waiver of those rights. Failing to enforce any of these Terms and Conditions does not constitute a waiver of that term. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of Envela Insurance. 

Assignment

You may not assign or transfer your rights or obligations under these Terms and Conditions without Envela Insurance’s prior written consent. Any attempted assignment or transfer violating this section shall be null and void. Envela Insurance may freely assign or transfer these Terms and Conditions without restriction. 

Feedback and Submissions

Suppose you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, postal mail, or otherwise (collectively, ‘comments’). In that case, you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use any comments you forward to us in any medium. We are and shall be under no obligation to maintain any comments in confidence, pay compensation for any comments, or respond to any comments. 

Dispute Resolution

Any dispute arising from or relating to the subject matter of these Terms and Conditions shall be finally settled by arbitration in Franklin, Tennessee, using the English language following the Arbitration Rules and Procedures of the Judicial Arbitration and Mediation Services, Inc. (“JAMS”) then in effect, by one commercial arbitrator with substantial experience in resolving intellectual property and commercial contract disputes, who shall be selected from the appropriate list of JAMS arbitrators by the Arbitration Rules and Procedures of JAMS.

Product Availability

Our products are only available in certain jurisdictions and states within the United States. We are not soliciting business in any jurisdiction where we are not licensed and writing business. By requesting a quote or purchasing insurance through our website, you confirm that you reside in a state where we are authorized to conduct business.

Timely Payment

As a policyholder with Envela Insurance, you understand and agree to the following payment terms:
 
  1. Payment Requirements: For your insurance coverage to remain in effect, we must receive proper and timely payment. If we do not receive payment, or if your financial institution does not honor/authorize the payment, you may not obtain or maintain insurance coverage.
  2. Insufficient Funds: Any dishonored payments may incur an insufficient funds fee.
  3. Late Payments: If we do not receive your invoiced amount payment by the payment due date, we may charge you a late fee.
  4. Policy Cancellation: Any late payments may result in the cancellation of your insurance policy.
  5. Cancellation Fees: Cancellation of a policy before the term expiration date may incur a cancellation fee.

Electronic Funds Transfer:

If you choose to make payments by electronic funds transfer, you agree to:

  1. Provide accurate information allowing for the processing of such payments.
  2. Authorize electronic processing of such payments.

You are responsible for ensuring that your payment information is up-to-date and that sufficient funds are available for scheduled payments. We recommend automatic payments to avoid late fees and potential coverage lapses.


If you have any questions about your payment options or need to update your payment information, please contact our Customer Service at (866) 368-3521.

Entertainment Content Disclaimer

Some content on our website, including but not limited to blog posts and articles in our Learning Center, is provided for entertainment or general informational purposes only. This content does not provide legal, financial, or professional advice. We are not responsible for your reliance on this content, and any references to third-party products, services, or websites do not constitute an endorsement.

Sweepstakes and Contests

We may occasionally operate sweepstakes, contests, or similar promotions through our website. These promotions may require online registration and the submission of personal information. By participating in such promotions, you agree to abide by the specific rules provided for each promotion. In the event of any conflict between the promotion rules and these Terms and Conditions regarding using your personal information, the promotion rules will take precedence.

Language Availability

All our forms, policies, and official documents are available in English only. While we may provide informational content in other languages, the English version shall be the controlling document in case of any discrepancy between the English version and the non-English version of any document.

Third-Party Products

Some products offered through our website or agencies may be provided by third parties. We are not responsible for the products or services these third parties provide. Our agencies may be compensated by the insurance companies or third-party providers they represent.

Mobile Messaging and Email Consent

If you agree to receive communications from us via mobile device or email, you are responsible for updating your contact information if it changes and for any fees your wireless service provider charges for text/data messages. You can revoke your consent to receiving email and text messages at any time by notifying us in writing. We are not liable for any disclosure of information to your mobile phone when the phone is in another person’s possession.

Accessibility Statement

We are committed to making our website content accessible and user-friendly for everyone. If you experience any difficulty viewing or navigating the content on our website, or if you find any feature that is not functioning or fully accessible, please contact us immediately. We will work to address your concerns and improve the accessibility of our site.


To report accessibility issues or request assistance, please contact us at:

Email: marketing@envelainsurance.com

Phone: (866) 368-3521 


We appreciate your feedback and will use it to continue improving our website’s accessibility for all users.

If you have any questions about your payment options or need to update your payment information, please contact our Customer Service at (866) 368-3521.

Contact Information

If you have any questions about these Terms and Conditions or need to discuss your insurance needs, please contact us at:

 

EZPAYINSURANCE, LLC DBA Envela Insurance

 

Address: 2550 Meridian Blvd STE 200 #7598 Franklin, TN, 37067
Email: marketing@envelainsurance.com
Last updated: September 2024